Get a 2% IRA Match with SoFi Plus

SoFi Plus: SoFi Plus is a premium membership that gives members access to our best rewards, benefits, and more when they pay the SoFi Plus Subscription Fee. Benefits are subject to change and may not be available to everyone. All terms and conditions applicable to the use of SoFi Plus apply. To learn more about SoFi Plus and available benefits and terms, please see the SoFi Plus page.

INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE

SoFi Invest is a trade name used by SoFi Wealth LLC and SoFi Securities LLC offering investment products and services. Robo investing and advisory services are provided by SoFi Wealth LLC, an SEC-registered investment adviser. Brokerage and self-directed investing products offered through SoFi Securities LLC, Member FINRA/SIPC.

For disclosures on SoFi Invest platforms visit SoFi.com/legal. For a full listing of the fees associated with Sofi Invest please view our fee schedule.

¹SoFi Plus Exclusive Limited-Time 2% Match on NEW IRA Contributions:: Terms and conditions apply. SoFi Plus members are eligible to receive a 2% cash match on eligible new contributions made to a SoFi Traditional or Roth IRA up to the annual IRS limit during the limited-time promotional period (1/15/2026 – 4/15/2026). Eligible contributions must be made via ACH transfer or cash transfer from a SoFi Bank account. To keep the match, the contribution amount and the 2% match must remain in the IRA account for a minimum of five (5) years. Rollovers and transfers from other brokerage accounts are not eligible. The value of the reward may be considered taxable income. Click here for the 1% Match terms and conditions.

²1% Invest Match: Must be an active SoFi Plus member at the time a recurring deposit is received into your SoFi Invest account to qualify. The match is calculated on each settled recurring deposit made via ACH and paid out in cash within five (5) business days. SoFi reserves the right to change or terminate this promotion at any time without notice. For complete eligibility and terms, please see the SoFi Plus terms.

³$1,000 Value of SoFi Plus membership: The value of a SoFi Plus membership varies depending on benefits used, and there is no guarantee you will reach or receive any specific value. $1,000+ estimated value is based on (i) the average activity of existing SoFi Plus members for the following benefits over a 12-month period and (ii) publicly available Urban Institute’s American Affordability Tracker data regarding average annual grocery spending used to estimate potential Smart Card cash back rewards: an estimated $600 in annual cash back rewards at grocery stores with SoFi Smart Card (estimated earnings based on 5% cash back rewards on grocery store purchases and the average monthly grocery spend for a family of four, as reported in the Urban Institute’s American Affordability Tracker, released October 2025. Actual rewards earned will vary based on household size, grocery spending, and card usage), an average of $17,000 deposited in a SoFi savings account with a 3.6% APY at the start of the 12-month period, $21,500 average annual spend on the SoFi Unlimited 2% Credit Card (with a 10% boost on cash-back rewards), and one additional 30-minute session (beyond the basic member benefit) with a certified financial planner, with an assumed value of $300. Other Plus benefits are available beyond those stated above. SoFi Credit Card cash back rewards are earned in the form of rewards points, and rewards points redeem at a rate of 1 cent per point. SoFi Plus members must be approved for a SoFi Credit Card or SoFi Smart Card in order to receive the corresponding benefits. Savings and spend assumptions are based on average activity from existing SoFi Plus members between the period of 10/1/2024 – 9/30/2025. Terms apply.

⁴SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC. Terms apply. Click to learn more.

Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at SoFi.com/legal/banking-rate-sheet.

⁵2x rewards points on qualifying activities : SoFi Plus members can earn double the rewards points as stated in the “Ways to earn” section of the Membership & Rewards Center for qualifying earning activities. For complete SoFi Plus eligibility, please see the SoFi Plus terms.

Members can only earn 2x rewards points for periods in which the member meets the SoFi Plus eligibility criteria. The qualifying earning activities exclude the following: Credit or Debit card spend paid in rewards points, welcome bonuses paid in rewards points (including any referral bonuses paid in rewards points), and select promotions with bonuses paid in rewards points. The specific number of rewards points is subject to change at any time and can be found in the “Ways to earn” section of the Membership & Rewards Center.

Members must enroll in SoFi Member Rewards to redeem rewards points, but not to be eligible for 2x rewards points. Rewards points are subject to the SoFi Member Rewards terms.

⁶10% Boost on Cash Back Rewards Points for SoFi Credit Card Purchases: SoFi Plus members are eligible for a 10% boost on cash back rewards rates for all eligible purchases made with a SoFi Credit Card (the “Promotion”). For complete SoFi Plus eligibility, please see the SoFi Plus terms.

A 10% boost means that a 10% multiplier shall be applied to existing cash back rewards rates (e.g., a purchase previously earning 100 rewards points would now earn 110 with the promotion). For purposes of calculating the 10% boost on cash back rewards points, each transaction shall be rounded to the nearest dollar, and fractional points shall be rounded to the nearest whole point. The 10% boost shall not apply to (i) transactions that are not eligible for cash back rewards points, including: fees or interest charges, balance transfers or cash advances, purchase of traveler’s checks or other cash equivalents, purchase or reloading of prepaid cards, or other quasi-cash transactions; or (ii) courtesy rewards points that are manually awarded. SoFi shall, in its sole discretion, determine whether a transaction is eligible to earn the 10% boost under this Promotion.

Members must enroll in SoFi Member Rewards to redeem rewards points, but not to be eligible for the Promotion. Rewards points are subject to the SoFi Member Rewards terms.

All new and existing SoFi Credit Card members who meet the SoFi Plus eligibility criteria during the Promotion Period are eligible for this Promotion. SoFi Smart Card accounts are excluded from this Promotion. Oﬀer limited to one per SoFi Checking and Savings account. A SoFi Credit Card account will only beneﬁt from the 10% boost under this Promotion if the primary SoFi Credit Card account holder is a SoFi Plus member. SoFi reserves the right to exclude any member from participating in this Promotion for any reason, including suspected fraud, misuse, or if suspicious activities are observed.

Promotion Period: The Promotion will begin on 4/1/24 at 1:00 PM ET. SoFi reserves the right to terminate or make changes to this Promotion at any time.

Terms and conditions apply: This SoFi member benefit is provided by Expedia, not by SoFi or its affiliates. SoFi may be compensated by the benefit provider. Offers are subject to change and may have restrictions, please review the benefit provider’s terms: Travel Services Terms & Conditions.

The SoFi Travel Portal is operated by Expedia. To learn more about Expedia, click https://www.expediagroup.com/home/default.aspx

When you use your SoFi Credit Card to make a purchase on the SoFi Travel Portal, you will earn a number of rewards points equal to 3% of the total amount you spend on the SoFi Travel Portal. Members can save up to 10% or more on eligible bookings.

Eligibility:

• You must be a SoFi registered user.

• You must agree to SoFi’s privacy consent agreement.

• You must book the travel on SoFi’s Travel Portal reached directly through a link on the SoFi website or mobile application. Travel booked directly on Expedia’s website or app, or any other site operated or powered by Expedia is not eligible.

• You must pay using your SoFi Credit Card.

SoFi Member Rewards: All terms applicable to the use of SoFi Member Rewards apply. To learn more please see: https://www.sofi.com/rewards/ Terms applicable to SoFi Member Rewards: https://www.sofi.com/terms-of-use/#rewards

Additional Terms:

Changes to your bookings will affect the rewards points balance for the purchase.

Any canceled bookings or fraud will cause rewards points to be rescinded.

Rewards points can be delayed by up to 7 business days after a transaction posts on members’ SoFi Credit Card ledger.

SoFi reserves the right to withhold rewards points for suspected fraud, misuse, or suspicious activities.

⁷5% cash back on SoFi Travel (excluding air travel):

SoFi Plus members can earn 5% cash back in rewards points on all bookings except air travel through SoFi Travel using any card (“Elevated Earn”). For complete SoFi Plus eligibility, please see the SoFi Plus terms.

Additionally, SoFi Plus members that use a SoFi Credit Card on all bookings except air travel will earn a 10% credit card cash back rewards rate boost, resulting in a total of 5.5% cash back rewards. Cash back rewards do not stack on top of other rewards associated with SoFi Credit Card or SoFi Plus. The 10% credit card cash back rewards rate boost does not apply to bookings made with a SoFi Smart Card.

All terms and conditions applicable to the use of SoFi Member Rewards apply. To learn more about SoFi Member Rewards, please see the Rewards page. Rewards points will be awarded within 60 days of travel completion. If you do not see your rewards points after 60 days of travel completion, please see our help center or contact us at 855-456-7634. Bookings made on air travel are not eligible for the Elevated Earn. When you elect to redeem rewards points toward active SoFi accounts, including but not limited to, your SoFi Checking and Savings account, SoFi Money® account, SoFi Active Invest account, SoFi Automated Invest account, SoFi Credit Card account, SoFi Personal Loan, Private Student Loan, Student Loan Refinance, or toward SoFi Travel purchases, your rewards points will redeem at a rate of 1 cent per every point. SoFi reserves the right to exclude any member from participating in SoFi Member Rewards for any reason, including suspected fraud, misuse, or if suspicious activities are observed. SoFi also reserves the right to stop or make changes to Elevated Earn at any time.

SoFi 1% Rollover Match Terms & Conditions

The SoFi Securities LLC (“SoFi Securities”) and SoFi Wealth LLC (“SoFi Wealth,” and together with SoFi Securities, “SoFi”) 1% Rollover Match (“Rollover Match” or “Offer”) applies to eligible rollovers from Eligible Account Types (as defined below) into Individual Retirement Accounts (“SoFi IRAs”) held through a Self-directed SoFi Invest account (offered by SoFi Securities LLC) or a Robo SoFi Invest account (offered by SoFi Wealth LLC). The Offer is governed by the following Terms & Conditions:

Offer: SoFi will match 1% of a customer’s eligible rollover into their newly opened SoFi IRA or existing SoFi IRA initiated in partnership with Capitalize during the Offer Period. The rollover funds must be maintained in the SoFi IRA account for five (5) years from the settlement date. Matches will be paid in cash within 5 business days from the date which the rollover funds settle in your SoFi IRA account.

Offer Period: The Offer Period is any time from November 21, 2025 onwards, though SoFi may modify, suspend, or terminate the Offer at any time without advance notice.

Eligibility: The Offer is available solely to customers who roll over their account under Internal Revenue Code Sections 401(k), 403(b) or 457(b) (“Eligible Account Type”) into a SoFi IRA and initiated in partnership with Capitalize within the Offer Period. “Rollover” refers to deposits received via check. Rollovers received by ACAT transfers are excluded from this Offer. If a rollover call is required by SoFi’s third party service provider Capitalize, it must occur within one month after the end of the Offer Period.

SEP IRAs not eligible. Rollovers to a SEP IRA (Simplified Employee Pension Individual Retirement Account) are not eligible for the Match.

Calculations and Payments: Matches will be paid out in cash into the account where the check was deposited within 5 business days of the deposit being settled. The 1% Rollover Match is calculated based on the total rolled-over check amount. Payment will be made into the IRA initially credited with the rollover. The customer’s SoFi Invest IRA account must be in good standing to receive the payout.

Example: If you complete a $75,000 rollover with Capitalize to a SoFi IRA during the Offer Period, you will be matched 1%, equaling $750.

Limitations: Qualifying rollovers must remain in the SoFi IRA account that earned the promotion for five (5) years to keep the entire match amount. If a member makes a withdrawal before the five (5) year Holding Period is complete, they will be subject to an early withdrawal fee and SoFi will remove a proportional amount of the Match from the member’s account. The proportional amount is based on the breach in retention value, not retention period. To avoid this fee, the total equity of the member’s account (“total equity”) must remain at the original pre-promotion equity balance in the account, plus the qualifying rollover and match amount. If a withdrawal causes the total equity to fall below this combined amount, the fee will be applied. The fee will also apply if the member initiates a withdrawal and the total equity has fallen, for any reason including investment losses. Distributions required by law (e.g., required minimum distributions in IRAs) can also trigger the fee. However, the fee will not apply if the member’s total equity has risen by an amount greater than the withdrawal amount, either by investment gains or additional deposits.

The proportional early withdrawal fee is deducted from the requested withdrawal amount. In the event of an ACAT transfer out, there will be an early withdrawal fee for the entire match amount. If insufficient cash is available in this account, the fee will be debited from an outgoing financial institution or added to a margin balance. SoFi reserves the right to liquidate securities to pay for this early withdrawal fee. Any applicable ACAT transfer-out fee will be assessed separately in accordance with the then-current SoFi fee schedule.

Examples:

Rollover	1% Match	Total Equity Balance	Withdrawal Date	Withdrawal Amount	Remaining Equity Balance	Early Withdrawal Fee
$20,000	$200	$20,200	5+ years from deposit date	-$2,000	$18,200	$0 (earned full match amount)
$20,000	$200	$20,200	Less than 5 years from deposit date	-$2,000	$18,200	$19.80
First deposit: $20,000 Second deposit: $10,000	$200 $100	$20,200 $30,300	Less than 5 years from deposit date	-$2,000	$28,300	$19.80
$20,000	$200	$25,000 Account balance increases due to investments	Less than 5 years from deposit date	-$2,000	$23,200	$0
$20,000	$200	$15,000 Account balance decreases due to investments	Less than 5 years from deposit date	-$2,000	$13,000	$71.29

Fraud and Violations: SoFi reserves the right to decline, rescind, or delay granting the 1% Match if fraudulent activity or violations of these Terms are suspected. SoFi may liquidate securities as reasonably necessary to recover any Match amounts owed.

Not a Recommendation: This Offer is not a recommendation to buy, sell, or hold any security, or roll over any retirement plan account, nor does it endorse any specific investment strategy or account type. There are many factors an investor should consider before contributing to an IRA or deciding to rollover an employer-sponsored retirement plan. Customers are advised to consult with a qualified advisor before making any transfers or rollovers. Customers acknowledge that by participating in the Match, they are participating in the Offer voluntarily and not based on any investment advice from SoFi.

Rollover Considerations: A rollover is one of several options available to you and may not be the best option for you. Other options may include leaving the Eligible Account Type at your former employer, rolling the Eligible Account Type to a new employer plan, or cashing out the Eligible Account Type. You should consult with a financial advisor or tax professional prior to making any decision. Further you should consider the following prior to any change in your Eligible Account Type:

• Investment Options: Eligible Account Types generally have limited investment options, however, some options may be exclusive to that employer’s plan. IRAs often have wider range of investment options available to investors

• Services: There are different levels of service available to Eligible Account Type participants and an investor should consider how these services differ from those in an IRA. Some employer plans may offer more robust service options.

• Fees & Expenses: Both Eligible Account Type plans and IRAs involve expenses and fees. An investor can expect to pay some fees in an IRA that may not be applied to an Eligible Account Type such as loads, commissions, fund expenses, or advisory fees. Some employers cover administrative fees such as recordkeeping, trustee, or compliance fees. For additional details on the SoFi fee schedule click here.

• Loans: Many employer plans allow you to take loans against the assets in your plan, while this option is generally unavailable in IRAs. You will be required to pay any outstanding loan balance prior to a rollover.

• Penalty Free Withdrawals: Employees that leave their job prior to age 59 ½ may be eligible for penalty free withdrawals from their plan. However, penalty free withdrawals generally start at 59 ½ in IRAs.

• Protection from Creditors: Eligible Account Type plans generally have unlimited protections (in amount) against judgements and creditors. IRAs are only protected in bankruptcy up to $1,711,975 (as of April 2025) and state laws vary.

• Required Minimum Distributions (RMDs): For both employer plans and IRAs individuals are required to take periodic distributions beginning at age 73 or 75 depending on your year of birth. However, if an individual continues working past age 73 they may not be required to to RMDs from their employer plan.

• Employer Stock: There may be negative tax consequences for individuals who hold appreciated employer stock in an employer plan and transfer to an IRA. If this applies to you, consult your tax advisor prior to initiating a transfer or rollover.

Taxes: The Match is treated as interest earned and does not impact contribution limits. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the offer; consult with your tax advisor to determine applicable tax consequences. Each investor’s tax situation is unique, and SoFi does not provide tax advice.

Disclosures: SoFi reserves the right to change or terminate the Offer at any time without notice. The Offer is not transferable, saleable, or valid in conjunction with other offers and is available to U.S. residents for personal, non-commercial use only. Participation in this Offer constitutes acceptance of these Terms.

SoFi 1% IRA Deposit Match Terms & Conditions

The SoFi Securities LLC (“SoFi Securities”) and SoFi Wealth LLC (“SoFi Wealth,” and together with SoFi Securities, “SoFi”) 1% IRA Deposit Match (“IRA Deposit Match” or “Offer”) is governed by the following Terms & Conditions:

Offer: SoFi will match 1% of a customer’s deposits, up to their Internal Revenue Service (IRS) contribution limit, made into their existing or newly opened SoFi Individual Retirement Account (“SoFi IRA”) held through a Self-directed SoFi Invest account (offered by SoFi Securities LLC) or a Robo SoFi Invest account (offered by SoFi Wealth LLC) during the Offer Period. Active SoFi Plus members earn an additional 1% on IRA deposits (total of 2% match on IRA deposits), up to their IRS contribution limit, during the offer period. Plus eligibility requires that the member satisfy all SoFi Plus requirements, as defined in the SoFi Plus terms and conditions, at the time each deposit settles. Deposits must be maintained in the IRA account for five (5) years from the settlement date. Matches will be paid in cash within 5 business days from the date which the funds settle in your SoFi IRA account. Please see examples below:

Example 1: If you have not made any contributions to your IRA for 2025 before the offer period, and contribute $7,000 during the offer period, you will be matched 1% of your contribution which is $70.

2025 IRA Contribution Limits
If you’re younger than age 50	$7,000
If you’re age 50 or older	$8,000

2026 IRA Contribution Limits
If you’re younger than age 50	$7,500
If you’re age 50 or older	$8,600

Offer Period: The Offer Period for the 1% match is any time from November 21, 2025 onwards. The offer period for Active SoFi Plus members to get an additional 1% match is from January 22, 2026 – April 15, 2026. SoFi may modify, suspend, or terminate the Offer at any time without advance notice.

Eligibility: The IRA Deposit Match is available to customers who have an existing or newly opened SoFi IRA—whether a Self-directed IRA offered by SoFi Securities LLC or a Robo IRA offered by SoFi Wealth LLC during the Offer Period and have successfully deposited cash in their SoFi IRA account. Only deposits received through a contribution via automated clearing house (ACH) transfer or via instant cash transfer from SoFi Bank accounts are eligible. Indirect rollovers do not apply. Plus eligibility for an additional 1% match requires that the member satisfy all SoFi Plus eligibility requirements, as defined in the SoFi Plus terms and conditions, at the time each deposit settles.

Calculations and Payments: Matches will be paid out in cash into the account where the cash contribution was deposited within 5 business days of the deposit being settled. The 1% Deposit Match is calculated based on the total amount deposited (via ACH or instant cash transfer from SoFi Bank accounts). The customer’s SoFi Invest IRA account must be in good standing to receive the payout.

Limitations: Qualifying deposits must remain in the SoFi IRA account that earned the promotion for five (5) years to keep the entire match amount. If a member makes a withdrawal before the five (5) year Holding Period is complete, they will be subject to an early withdrawal fee and SoFi will remove a proportional amount of the Match from the member’s account. The proportional amount is based on the breach in retention value, not retention period. To avoid this fee, the total equity of the member’s account (“total equity”) must remain at the original pre-promotion total equity in the account, plus the qualifying deposit and match amount. If a withdrawal causes the total equity to fall below this combined amount, the fee will be applied. The fee will also apply if the member initiates a withdrawal and the total equity has decreased, for any reason including investment losses. Distributions required by law (e.g., required minimum distributions in IRAs) can also trigger the fee. However, the fee will not apply if the member’s total equity has risen by an amount greater than the withdrawal amount, either by investment gains or additional deposits.

The proportional early withdrawal fee is deducted from the requested withdrawal amount. In the event of an ACAT transfer out, there will be an early withdrawal fee for the entire match amount. If insufficient cash is available in this account, the fee will be debited from an outgoing financial institution or added to a margin balance. Any applicable ACAT transfer-out fee will be assessed separately in accordance with the then-current SoFi fee schedule.

Examples:

Deposit	1% Match	Total Equity Balance	Withdrawal Date	Withdrawal Amount	Remaining Equity Balance	Early Withdrawal Fee
$7,000	$70	$7,070	5+ years from deposit date	-$500	$6,570	$0 (earned full match amount)
$7,000	$70	$7,070	Less than 5 years from deposit date	-$500	$6,570	$4.95
First deposit: $5,000 Second deposit: $2,000	$50 $20	$5,050 $7,070	Less than 5 years from deposit date	-$1,000	$6,070	$9.90
$7,000	$70	$10,000 Account balance increases due to investment gains	Less than 5 years from deposit date	-$1,000	$9,000	$0
$7,000	$70	$5,000 Account balance decreases due to investment losses	Less than 5 years from deposit date	-$1,000	$4,000	$30.39

Fraud and Violations: SoFi reserves the right to decline, rescind, or delay granting the 1% IRA Deposit Match if fraudulent activity or violations of these Terms are suspected. SoFi may liquidate securities as reasonably necessary to recover any Match amounts owed.

Not a Recommendation: This Offer is not a recommendation to buy, sell, or hold any security, nor is the Offer a recommendation or endorsement of any investment strategy. The Offer is not a recommendation that a customer rollover or transfer assets into a SoFi IRA, nor a recommendation for any specific account type. There are many factors that an investor should consider before initiating a rollover as it is one of a few options. An investor should consult with a qualified advisor prior to initiating a transfer or rollover. Customers that wish to participate in the IRA Deposit Match are acknowledging the offer is not investment advice and are participating in the Offer voluntarily.

Taxes: The Match is treated as interest earned and does not impact contribution limits, but will be reportable on IRS Form 1099-INT, 1099-MISC, or Form 1042-S as applicable. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the offer; consult with your tax advisor to determine applicable tax consequences. Each investor’s tax situation is unique, and SoFi does not provide tax advice.

Promotion void where prohibited.

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